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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $143,409 | $77,905+84.1% | $149,682-4.2% | $75,173+90.8% |
| Participation rate | 72.2% | 65.6%+6.6pp | 78.8%-6.5pp | 67.2%+5.0pp |
| Annual return | 16.58% | 31.72%-15.1pp | 134.35%-117.8pp | 160.65%-144.1pp |
| Employer contribution / active EE | $3,423 | $3,138+9.1% | $4,818-29.0% | $2,670+28.2% |
| Participant deferral / active EE | $6,821 | $3,411+100.0% | $5,681+20.1% | $4,126+65.3% |
| Admin fee / account holder | $2,727 | $5,957-54.2% | $13,210-79.4% | $5,651-51.7% |